Does My Cigna Insurance Policy Support Drug and Alcohol Rehab?
If your Cigna plan was provided through an employer or purchased via the health insurance marketplace, you have some sort of coverage for your health service needs, including drug and alcohol addiction treatment. The Affordable Care Act and other federal legislation actually mandate that drug rehab coverage benefits are a part of health insurance provider plans such as these.
Does My Cigna Health Insurance Cover Alcohol Abuse Services?
Yes, most Cigna plans also cover alcohol abuse programs. As with drug rehab services, treatment for alcohol addiction is typically considered a behavioral health care benefit, which many insurance plans are required by law to include.
Will My Healthcare Plan Pay for Addiction Treatment?
Whether Cigna covers your addiction treatment, and how much it will pay, depends on factors beyond whether the health insurance plan includes benefits for day treatment/partial hospitalization and outpatient treatment.
First, you do have to ensure these benefits are included in your insurance company plan. You can check your benefits book or find out more about your plan through the Cigna insurance portal. Changing Tides also works with you to verify your insurance and benefits so you better understand how your plan might cover addiction treatment. You can complete an online form to request an insurance verification.
In addition to finding out what types of drug rehab programs are covered, an insurance verification also helps you understand what your co-pay and deductible might be.
Most health plans have a deductible. This is the amount of covered health care expenses that are deemed your responsibility before the insurance begins to pay for claims. It’s worth noting that you have only one deductible for your entire plan, which means all covered medical expenses add up to help you meet it each year. That means if you have had any medical treatments in the same year you seek addiction treatment services, you may have already met your deductible.
Once you meet your deductible, you may also have a copay for addiction treatment services. This can range by plan and be a single one-time amount or a percent of the total charges, and the amount of your copay can change depending on whether you work with an in-network or out-of-network provider.
Other factors that can determine if Cigna will pay for addiction treatment include whether your rehab provider accepts the plan. Administrative steps, such as referrals or preauthorization, may also be required.